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sion · 2022年07月26日

记得之前说看tolerance不能只看客户怎么想,买房子只是客户觉得important,实际如果不买可能影响还没退休没生活费大,为什么不能higher呢

NO.PZ2018091705000110

问题如下:

McZhao continues the discussion with Cree in order to evaluate his degree of risk tolerance associated with each of the following individual goals:


Retirement: Cree considers retirement a long- term goal and is willing to endure a 10% drop in expected retirement spending. However, he is very concerned with having sufficient funds to cover medical expenses.

Investment property: Cree sees the investment property as a source of stable income, so it is very important to him to purchase the building. He realizes that maintenance and repair expenses will be necessary, and he also considers those very important.

Philanthropy: Cree’s wife strongly influences him to fund her philanthropic causes, and he wants to maintain some level of annual contribution. Cree believes that his wife would be willing to maintain her $10,000 per year contributions and not increase that amount.

Antique furniture: Cree is willing to reduce or eliminate his spending on antique furniture.

Determine Cree’s degree of risk tolerance associated with each of the following individual goals. Justify each response.



选项:

解释:



记得之前说看tolerance不能只看客户怎么想,买房子只是客户觉得important,实际如果不买可能影响还没退休没生活费大,为什么不能higher呢

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王暄_品职助教 · 2022年07月27日

通常,就是看客户对该目标定要的重要级来判断该目标的risk tolerance是high or low,所以买房在这里对客户非常重要,那么风险容忍度就较低。

同学所描述的这种情况,是不是还有别的条件呢?可以告诉我是哪一题,我去看看~

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